The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,838
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,113
−HK$280/mo
Today · 4.125%
HK$9,393
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$571/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,786/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,833
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,096
−HK$268/mo
Today · 4.125%
HK$10,364
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,728/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,606
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,936
−HK$335/mo
Today · 4.125%
HK$11,271
baseline
▲ 0.50% · 4.625%
HK$11,957
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,542/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,799
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,116
−HK$321/mo
Today · 4.125%
HK$12,437
baseline
▲ 0.50% · 4.625%
HK$13,092
+HK$655/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,874/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,374
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,759
−HK$391/mo
Today · 4.125%
HK$13,150
baseline
▲ 0.50% · 4.625%
HK$13,950
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,300/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,766
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,135
−HK$374/mo
Today · 4.125%
HK$14,509
baseline
▲ 0.50% · 4.625%
HK$15,274
+HK$765/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,018/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,909
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$503/mo
Today · 4.125%
HK$16,907
baseline
▲ 0.50% · 4.625%
HK$17,935
+HK$1,028/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,814/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,699
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,173
−HK$482/mo
Today · 4.125%
HK$18,655
baseline
▲ 0.50% · 4.625%
HK$19,638
+HK$983/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).